(Please be gentle! I'm a bit sensitive tonight so have avoided AIBU on purpose)
Long story short, husband & I should be completing on a two-bed house soon... but it's not going to happen. Our buyer can't proceed, as the bank found out that they'd been furloughed and not disclosed it, and now they can't borrow enough money.
We've had two days of estate agents valuing, and generally, they're all saying the flat is now worth £25k less, and that it won't sell easily - while the market here is generally fast-moving and bouyant, only higher-priced properties are selling right now. Usually our flat would be a hit with first-time buyers and investors, but the mortgage products aren't there right now, and the big employer round here is struggling. Rightmove is full of one-bed flats, most of which haven't sold - even a brand new block in the middle of town have been dropped by £50k, and are all still there. One EA even said they'd have to decline the opportunity, as they don't want to further damage the market.
So, it looks like we might be stuck here for a while, unless we try a private sale and are successful. The flat is lovely - a Victorian conversion, we've had a new boiler so it's warm, it's in a great location and the rooms are pretty big and light. We've avoided doing the kitchen as we were going to sell, but we could either do it or make it work as it is. But it is a one-bed flat... it's fine for the two of us, but feels cramped when the in-laws came round (pre-Covid!), for example.
I have started to come off the pill after 13 years to TTC. I'm 30, husband a few years older. He thinks we carry on regardless. Baby would be in with us for a while anyway, even if I did get pregnant quickly, and we'd probably have moved before it needed much space...
Would you put it all on hold? We've been waiting for a while for everything to be "ready", finances to be good, jobs to be secure, etc... it feels like there is always something else!